The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,895
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,171
−HK$281/mo
Today · 4.125%
HK$9,452
baseline
▲ 0.50% · 4.625%
HK$10,028
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,904/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,895
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,161
−HK$269/mo
Today · 4.125%
HK$10,430
baseline
▲ 0.50% · 4.625%
HK$10,980
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,860/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,674
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,006
−HK$337/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$12,033
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,686/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,874
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,193
−HK$323/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,032/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,453
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,840
−HK$393/mo
Today · 4.125%
HK$13,233
baseline
▲ 0.50% · 4.625%
HK$14,039
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,466/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,853
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,225
−HK$377/mo
Today · 4.125%
HK$14,602
baseline
▲ 0.50% · 4.625%
HK$15,372
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,204/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,010
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$506/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,028/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,811
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$485/mo
Today · 4.125%
HK$18,774
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,548/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).